Qfin (NASDAQ:QFIN) Sets New 1-Year Low Following Weak Earnings

Qfin Holdings Inc. – Sponsored ADR (NASDAQ:QFIN) reached a new 52-week low during trading on Wednesday following a dissappointing earnings announcement. The stock traded as low as $9.65 and last traded at $9.9260, with a volume of 368651 shares trading hands. The stock had previously closed at $11.53.

The company reported $0.55 earnings per share (EPS) for the quarter. Qfin had a net margin of 27.48% and a return on equity of 20.85%. The company had revenue of $524.96 million for the quarter.

Key Stories Impacting Qfin

Here are the key news stories impacting Qfin this week:

• Positive Sentiment: QFIN declared a semi-annual dividend alongside its second-quarter and first-half 2026 results, providing a potential income-related support for shareholders. Qfin Holdings Announces Second Quarter and Interim 2026 Unaudited Financial Results and Declares Semi-Annual Dividend
• Neutral Sentiment: QFIN shares had recently shown significant volatility, including a prior-session gain, but available short-interest data showed no meaningful short-position signal. An earnings call transcript is available for investors seeking additional management commentary. Qfin Holdings Q2 2026 Earnings Call Transcript
• Negative Sentiment: QFIN reported quarterly EPS of $0.48, missing the $0.96 consensus estimate and falling sharply from $1.78 a year earlier. Revenue of $524.96 million also trailed expectations of $562.45 million, signaling weaker operating performance. Qfin Holdings Misses Q2 Earnings Estimates
• Negative Sentiment: Management commentary following the earnings release indicated that additional softness may continue into the third quarter, increasing concerns about near-term earnings momentum. QFIN Stock Slumps After Q2 Earnings Disappoint
• Negative Sentiment: JPMorgan downgraded QFIN from “neutral” to “underweight” and assigned a $9.00 price target, implying roughly 21.9% downside from the reference price. The downgrade reinforces investor concerns about the company’s outlook after the earnings miss.

Wall Street Analyst Weigh In

Several analysts recently commented on QFIN shares. Jefferies Financial Group reaffirmed a “buy” rating and issued a $15.40 price objective on shares of Qfin in a report on Wednesday. Zacks Research raised Qfin from a “strong sell” rating to a “hold” rating in a research report on Monday, July 13th. Bank of America restated a “neutral” rating and set a $15.33 price target on shares of Qfin in a research note on Wednesday, May 27th. JPMorgan Chase & Co. lowered shares of Qfin from a “neutral” rating to an “underweight” rating and set a $9.00 price target for the company. in a research report on Wednesday. Finally, Weiss Ratings cut shares of Qfin from a “hold (c-)” rating to a “sell (d+)” rating in a research note on Monday, July 13th. One equities research analyst has rated the stock with a Buy rating, three have assigned a Hold rating and two have given a Sell rating to the company. According to data from MarketBeat, the stock currently has an average rating of “Reduce” and an average price target of $13.18.

Insider Activity at Qfin

In other Qfin news, Director Xiaohuan Chen acquired 4,000 shares of the stock in a transaction dated Tuesday, June 9th. The shares were acquired at an average cost of $14.41 per share, for a total transaction of $57,640.00. Following the completion of the transaction, the director directly owned 19,000 shares of the company’s stock, valued at approximately $273,790. The trade was a 26.67% increase in their ownership of the stock. The purchase was disclosed in a legal filing with the SEC, which is available through the SEC website. 17.10% of the stock is owned by insiders.

Institutional Inflows and Outflows

Large investors have recently added to or reduced their stakes in the business. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. bought a new stake in shares of Qfin during the first quarter valued at approximately $29,000. SBI Securities Co. Ltd. lifted its stake in Qfin by 6,796.4% in the 4th quarter. SBI Securities Co. Ltd. now owns 1,931 shares of the company’s stock worth $37,000 after purchasing an additional 1,903 shares in the last quarter. Caitong International Asset Management Co. Ltd lifted its stake in Qfin by 415.9% in the 4th quarter. Caitong International Asset Management Co. Ltd now owns 2,636 shares of the company’s stock worth $51,000 after purchasing an additional 2,125 shares in the last quarter. Parallel Advisors LLC grew its position in shares of Qfin by 24.1% during the fourth quarter. Parallel Advisors LLC now owns 3,373 shares of the company’s stock valued at $65,000 after purchasing an additional 656 shares in the last quarter. Finally, PNC Financial Services Group Inc. grew its position in shares of Qfin by 23.4% during the fourth quarter. PNC Financial Services Group Inc. now owns 5,358 shares of the company’s stock valued at $103,000 after purchasing an additional 1,016 shares in the last quarter. 74.81% of the stock is owned by hedge funds and other institutional investors.

Qfin Stock Down 12.6%

The company has a quick ratio of 2.22, a current ratio of 2.22 and a debt-to-equity ratio of 0.03. The stock has a market capitalization of $1.23 billion, a P/E ratio of 1.89 and a beta of 0.63. The company has a fifty day moving average price of $13.65 and a 200-day moving average price of $13.93.

About Qfin

360 DigiTech, Inc (NASDAQ: QFIN) is a China?based fintech company that specializes in providing digital lending solutions to underserved consumer and small business markets. Leveraging proprietary credit assessment technologies and big data analytics, the company connects borrowers with a network of financial institutions and investors through its online platform. Its services encompass unsecured consumer loans, installment credit products, and working capital financing for micro and small enterprises.

The company’s flagship platform offers an end?to?end digital lending experience, from application and credit evaluation to disbursement and repayment.